Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Idaho Falls, ID for senior drivers are $1,559/year
  • The cheapest car insurance company in Idaho Falls after a DUI is State Farm
  • The annual number of car thefts in Idaho Falls is 81.

Average car insurance rates in Idaho Falls, Idaho are $247 a month. But with a little research you can get a great deal from the top car insurance companies in Idaho Falls, ID. Before you buy Idaho Falls, Idaho car insurance, make sure your coverage meets or exceeds the Idaho minimum of 25/50/15.

It may even be helpful to compare Idaho Falls car insurance rates with Post Falls car insurance rates, Nampa car insurance rates, or Twin Falls car insurance rates to make sure you’re getting the best Idaho Falls, ID car insurance quotes available.

Need affordable Idaho Falls, ID car insurance? Enter your ZIP code to compare Idaho Falls car insurance quotes from multiple car insurance companies near you.

Idaho Falls, ID Minimum Car Insurance Coverage

Idaho Falls, Idaho law requires drivers carry a minimum of 25/50/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Idaho Falls, Idaho

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Idaho Falls, ID Car Insurance Rates by Coverage Level

Some Idaho Falls drivers can get by with the Idaho minimum coverage of 25/50/15. Other drivers may need more. See how much your Idaho Falls, Idaho car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Idaho Falls, Idaho

Insurance Company Low Medium High
Allstate $4,054 $4,216 $4,404
American Family $3,924 $4,132 $3,751
Farmers $3,140 $3,278 $3,541
GEICO $2,701 $2,838 $2,986
Liberty Mutual $2,264 $2,399 $2,542
Nationwide $2,721 $2,916 $2,683
State Farm $1,846 $1,972 $2,082
Travelers $3,165 $3,278 $3,246
USAA $1,884 $1,942 $2,008

Idaho Falls, ID Car Insurance Rates by Age, Gender, and Marital Status

Idaho Falls, Idaho car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Idaho Falls, ID car insurance, get quotes from multiple car insurance companies in the Idaho Falls area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Idaho Falls, Idaho

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,411 $2,397 $2,100 $2,178 $8,901 $10,284 $2,690 $2,838
American Family $2,205 $2,205 $1,957 $1,957 $7,919 $10,284 $2,205 $2,755
Farmers $1,641 $1,630 $1,446 $1,533 $8,080 $8,369 $1,883 $1,974
GEICO $2,042 $2,015 $1,941 $1,886 $4,424 $5,499 $2,792 $2,134
Liberty Mutual $1,473 $1,588 $1,184 $1,325 $4,934 $5,493 $1,565 $1,652
Nationwide $1,868 $1,908 $1,686 $1,788 $4,658 $5,721 $2,194 $2,362
State Farm $1,200 $1,200 $1,087 $1,087 $3,645 $4,599 $1,355 $1,561
Travelers $1,335 $1,355 $1,348 $1,343 $6,731 $10,695 $1,421 $1,612
USAA $1,138 $1,135 $1,114 $1,098 $3,744 $4,194 $1,510 $1,626

Idaho Falls, ID Car Insurance Rates for Teens

How much is Idaho Falls, Idaho car insurance for teens? Compare rates from top Idaho Falls car insurance companies below to help find the cheapest teen car insurance in Idaho Falls, ID.

Annual Car Insurance Rates for Teen Drivers in Idaho Falls, Idaho

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,901 $10,284
American Family $7,919 $10,284
Farmers $8,080 $8,369
GEICO $4,424 $5,499
Liberty Mutual $4,934 $5,493
Nationwide $4,658 $5,721
State Farm $3,645 $4,599
Travelers $6,731 $10,695
USAA $3,744 $4,194

Idaho Falls, ID Car Insurance Rates for Seniors

Before seniors buy Idaho Falls, Idaho car insurance, they should make sure to shop around. Some Idaho Falls, ID car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Idaho Falls, Idaho

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,100 $2,178
American Family $1,957 $1,957
Farmers $1,446 $1,533
GEICO $1,941 $1,886
Liberty Mutual $1,184 $1,325
Nationwide $1,686 $1,788
State Farm $1,087 $1,087
Travelers $1,348 $1,343
USAA $1,114 $1,098

Idaho Falls, ID Car Insurance Rates by Credit History

How does your credit history affect Idaho Falls, ID car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Idaho Falls, Idaho

Insurance Company Poor Fair Good
Allstate $5,583 $3,785 $3,306
American Family $5,080 $3,629 $3,099
Farmers $3,737 $3,182 $3,040
GEICO $3,454 $2,759 $2,312
Liberty Mutual $3,419 $2,113 $1,673
Nationwide $3,305 $2,674 $2,341
State Farm $2,764 $1,746 $1,390
Travelers $3,693 $3,113 $2,884
USAA $2,837 $1,659 $1,339

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Idaho Falls, ID Car Insurance Rates by Driver History

How does a single speeding ticket affect your Idaho Falls, Idaho car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Idaho Falls.

Annual Idaho Falls, Idaho Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,484 $4,386 $4,896 $4,134
American Family $3,099 $4,388 $4,742 $3,514
Farmers $2,892 $3,670 $3,449 $3,268
GEICO $1,751 $2,787 $3,885 $2,943
Liberty Mutual $1,995 $2,503 $2,573 $2,535
Nationwide $2,125 $2,751 $3,832 $2,384
State Farm $1,790 $2,144 $1,967 $1,967
Travelers $1,986 $2,838 $4,918 $3,178
USAA $1,395 $1,991 $2,702 $1,691

Idaho Falls, ID Car Insurance Rates With a DUI

Even a single DUI can increase your Idaho Falls, ID car insurance rates. Compare rates below to see which Idaho Falls car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Idaho Falls, Idaho

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,896
American Family $4,742
Farmers $3,449
GEICO $3,885
Liberty Mutual $2,573
Nationwide $3,832
State Farm $1,967
Travelers $4,918
USAA $2,702

Idaho Falls, ID Car Insurance Rates by ZIP Code

Just like Idaho Falls car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Idaho Falls, ID car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Idaho Falls, Idaho

ZIP Code Average Annual Rates
83401 $2,959
83402 $2,953
83404 $2,967
83406 $2,949

Idaho Falls, ID Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Idaho Falls, ID car insurance rates may be. Let’s take a look at average car insurance rates from top Idaho Falls companies based on commute time.

Annual Car Insurance Rates by Commute Length in Idaho Falls, Idaho

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,225 $4,225
American Family $3,854 $4,018
Farmers $3,319 $3,319
GEICO $2,793 $2,890
Liberty Mutual $2,402 $2,402
Nationwide $2,773 $2,773
State Farm $1,918 $2,015
Travelers $3,230 $3,230
USAA $1,922 $1,968

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Idaho Falls, ID Cheapest Car Insurance Rates

How do the top Idaho Falls, Idaho car insurance companies’ average rates stack up against the Idaho Falls average monthly car insurance rates of $247? Take a look and see.

Best Annual Car Insurance Rates by Company in Idaho Falls, Idaho

Category Insurance Company
Teenagers USAA
Seniors State Farm
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

Idaho Falls, ID Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Idaho Falls, Idaho car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Idaho Falls, Idaho

Insurance Company Average Annual Rates
Allstate $4,225
American Family $3,936
Farmers $3,319
GEICO $2,842
Liberty Mutual $2,402
Nationwide $2,773
State Farm $1,967
Travelers $3,230
USAA $1,945

Other Factors Affecting Idaho Falls, ID Car Insurance Rates

Before you buy Idaho Falls, Idaho car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Idaho Falls, ID Car Theft Rates

The car theft rate in Idaho Falls, ID will affect your car insurance rates. FBI data shows that the annual car theft rate for Idaho Falls, Idaho is 81 stolen cars.

Idaho Falls, ID Commute Time

How does your Idaho Falls, ID commute time compare with the average driver? In Idaho Falls, the average commute is 17.9 minutes.

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Idaho Falls, ID Car Insurance Quotes

Compare Idaho Falls, ID car insurance quotes from multiple companies by entering your ZIP code now.